Southwest Rapid Rewards® Plus vs Turkish Airlines Miles&Smiles Premier Visa Signature® Card
Side-by-side comparison
| Southwest Rapid Rewards® Plus | Turkish Airlines Miles&Smiles Premier Visa Signature® Card | |
|---|---|---|
| Annual fee | $99 | $99 |
| Welcome offer | 40,000 bonus miles | |
| Dining | 1x | 2x |
| Groceries | 2x | 2x |
| Gas | 2x | 1x |
| Travel | 1x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $373 | $400 |
| Points type | Locked to Southwest Rapid Rewards | Locked to Miles&Smiles |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Southwest Rapid Rewards® Plus | Turkish Airlines Miles&Smiles Premier Visa Signature® Card |
|---|---|---|
| Welcome bonus | 50,000 Rapid Rewards® bonus points | 40,000 bonus miles |
| To earn it | $1,000 in 3 months | $8,000 in the first year |
| Est. first-year value* | $774 | $701 |
| Est. ongoing value / yr* | $274 | $301 |
This one splits by time horizon. In year one the Southwest Rapid Rewards® Plus is ahead by roughly $73, thanks largely to its welcome offer. But the Turkish Airlines Miles&Smiles Premier Visa Signature® Card earns more every year after, so if you keep it, it overtakes the Southwest Rapid Rewards® Plus after about 4 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Southwest Rapid Rewards® Plus. Planning to keep it for years? The Turkish Airlines Miles&Smiles Premier Visa Signature® Card pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Southwest Rapid Rewards® Plus | Turkish Airlines Miles&Smiles Premier Visa Signature® Card |
|---|---|---|
| Lounge access | None | Yes |
| Annual credits | 1 listed credits | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
On perks and redemptions, only the Turkish Airlines Miles&Smiles Premier Visa Signature® Card gets you into airport lounges. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Southwest Rapid Rewards® Plus earns about $373 a year in rewards and the Turkish Airlines Miles&Smiles Premier Visa Signature® Card about $400, valuing every point at a flat 1 cent. The Southwest Rapid Rewards® Plus charges $99, which you clear through its rewards and perks. The Turkish Airlines Miles&Smiles Premier Visa Signature® Card charges $99, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Turkish Airlines Miles&Smiles Premier Visa Signature® Card delivers more total value, about $26 a year more for a typical spender, mostly because it earns more where you spend most, on dining and travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Southwest Rapid Rewards® Plus currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Southwest Rapid Rewards® Plus if your spending leans toward gas. Pick the Turkish Airlines Miles&Smiles Premier Visa Signature® Card if your spending leans toward dining, travel.